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  <xsd:element id="tmp_NetExerciseOfStockOptionsAndRelatedTaxBenefitShares" name="NetExerciseOfStockOptionsAndRelatedTaxBenefitShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_NoninterestIncomeOtherOperatingIncomeNotInScopeForTopic606" name="NoninterestIncomeOtherOperatingIncomeNotInScopeForTopic606" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="tmp_OriginatedLoansAndLeasesNetOfUnearnedIncomeAndDeferredCostsAndFees" name="OriginatedLoansAndLeasesNetOfUnearnedIncomeAndDeferredCostsAndFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="tmp_OtherComprehensiveIncomeLossNetOfTaxAbstract" name="OtherComprehensiveIncomeLossNetOfTaxAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_OtherDepositsFairValueDisclosure" name="OtherDepositsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="tmp_OtherFinancingReceivableMember" name="OtherFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_OtherNonInterestIncomeMember" name="OtherNonInterestIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_OtherNoninterestExpenseOther" name="OtherNoninterestExpenseOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="tmp_OtherRealEstateOwned" name="OtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="tmp_OtherServiceCharges" name="OtherServiceCharges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="tmp_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansExcludingStockOptionsNetOfTaxWithholdings" name="ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansExcludingStockOptionsNetOfTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_PutnamCountryDutchessCountryandWestchesterNewYorkMember" name="PutnamCountryDutchessCountryandWestchesterNewYorkMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_RefundOfCommissionsMember" name="RefundOfCommissionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_ReportingThresholdForOtherIncomeAndOperatingExpenses" name="ReportingThresholdForOtherIncomeAndOperatingExpenses" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_ScheduleHeldtomaturitySecuritiesWithUnrealizedLossesTableTextBlock" name="ScheduleHeldtomaturitySecuritiesWithUnrealizedLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_ScheduleOfCreditQualityIndicatorsByClassOfResidentialRealEstateAndConsumerLoansTableTextBlock" name="ScheduleOfCreditQualityIndicatorsByClassOfResidentialRealEstateAndConsumerLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_ScheduleOfOutstandingPrincipalAndCarryingAmountOfLoansAcquiredTableTextBlock" name="ScheduleOfOutstandingPrincipalAndCarryingAmountOfLoansAcquiredTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_ScheduleOfRecordedInvestmentsInImpairedLoans" name="ScheduleOfRecordedInvestmentsInImpairedLoans" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_ScheduleOfTheAllowanceForLoanAndLeaseLossesBasedOnImpairmentMethodologyTableTextBlock" name="ScheduleOfTheAllowanceForLoanAndLeaseLossesBasedOnImpairmentMethodologyTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_ServiceChargesOnDepositAccountsMember" name="ServiceChargesOnDepositAccountsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_SubtotalInvestmentServiceIncomeMember" name="SubtotalInvestmentServiceIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_TechnologyExpense" name="TechnologyExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_TompkinsCayugaCortlandandSchuylerCountiesNewYorkMember" name="TompkinsCayugaCortlandandSchuylerCountiesNewYorkMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_TompkinsInsuranceAgenciesIncMember" name="TompkinsInsuranceAgenciesIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_TotalInsuranceRevenuesMember" name="TotalInsuranceRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="tmp_TransferOfLoansToOtherRealEstateOwned" name="TransferOfLoansToOtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_TrustAndAssetManagementMember" name="TrustAndAssetManagementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_VISTFinancialMember" name="VISTFinancialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_WealthManagementMember" name="WealthManagementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_WesternNewYorkMember" name="WesternNewYorkMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="tmp_WyomingLivingstonGenesseeOrleansandMonroeNewYorkMember" name="WyomingLivingstonGenesseeOrleansandMonroeNewYorkMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
